Editor's Note: The Rugby Insider Sale begins today and goes through Monday, November 9

Okay, it’s time to get serious. Halloween has come and gone, it’s pitch black by 5:30 in the evening and yesterday we’re pretty sure we spotted a strand of Christmas lights making their way onto a lamp post. Ladies, if you haven’t started taking inventory of this year’s sweater supply or had a real one-on-one with that pair of jeans from 2003, now is the time. Luckily, today marks the beginning of Rugby’s widely celebrated Insider Sale where fall essentials, for a limited time, become fall sale essentials. It’s serious business.

To help you navigate this year’s selection, Rugby’s fashion editors have honed in on our five favorite  picks from the sale. High on style but basic enough to work all winter long, these pieces will add a little Rugby je ne sais quoi to the mix and prep you for a super chic 2010. After the jump, our picks and why we love them.


1. Cabled Mockneck Cardigan. Was $128, Now $96. With five amazing colors to choose from, this perfect cabled cardi can fill the gaps in the knitwear section of any girl’s wardrobe.


2. Super-Skinny Stretch Jean. Was $98, Now $73.50. The only jean you really need in your wardrobe is a sleek, slim-fitting pair like this one (sorry boyfriend). It looks great with everything, from rugged snow boots to satin pumps.


3. Cynthia Wool-Blend Tunic Dress. Was $228, Now $127.49. This sophisticated wool dress is the essential day-to-evening piece. Choose a blazer for daytime and a little motorcycle jacket for night. Pair both looks with heels and textured hosiery and you’re good to go.


4. Rosemarie Cotton-Wool Jacket. Was $428, Now $262.49. A collegiate blazer with a glam old school twist is your go-to layer for classic all-black ensembles or a simple jeans-and-T-shirt look. Take care of this piece and we guarantee you’ll be rocking it for years to come.


5. Wynnie Angled Split Rugby. Was $98, Now $73.50. While a thin fall-off-your-shoulder T-shirt might work in the heat of the summer, winter’s weekend wardrobe requires a more substantial bottom layer. An old school black-and-white Rugby is classic and sexy (and warm) at once.